Had a car accident in Florida? Know what to do within 14 days.

Florida’s PIP law generally requires you to receive qualifying initial services and care within 14 days after a motor vehicle crash for medical benefits to be available. If you’re dealing with neck or back pain, a headache, dizziness, or another concern, don’t guess about your next step.

Our team can explain how to request an evaluation at our Jacksonville or Palatka location. Your eligibility and coverage depend on your policy and circumstances.

Call (904) 425-4545 or request an evaluation.

Operated by Ortega Chiropractic Clinics. Medical care and benefits are subject to individual evaluation, policy terms, and applicable law.

How to get started

1. Tell us what happened

Call us or request a return call. We’ll ask when the crash happened and what symptoms or concerns you’re experiencing.

2. Choose a location

We’ll explain appointment availability and what information may be helpful to bring.

3. Get evaluated

A licensed clinician will assess your concerns and discuss appropriate next steps. An evaluation does not guarantee that a particular test, treatment, or insurance benefit will be recommended or covered.

What does Florida’s 14-day PIP rule mean?

Florida Statute 627.736 generally requires an insured person to receive initial services and care within 14 days after a motor vehicle accident to qualify for PIP medical benefits. The amount of benefits available can depend on the policy and whether a qualifying provider determines that the person has an emergency medical condition. In some circumstances, the available medical benefit limit may be $2,500 rather than $10,000.

This is a general explanation, not a coverage decision. Check your policy and confirm your situation with your insurer or attorney. Read Florida’s PIP statute.

Don’t ignore symptoms after a crash

Not every injury is obvious right away. Tell a healthcare professional about symptoms such as neck or back pain, headaches, dizziness, numbness, or changes in concentration, even if they appear after the crash.

Our clinicians evaluate your concerns and discuss care, imaging, or neurological referral when clinically appropriate. The first visit is an evaluation, not a promise that a test or treatment will be needed.

What if it’s already been more than 14 days?

If you have a medical concern, seek appropriate care even if more than 14 days have passed. The timing may affect PIP benefits, but it does not determine whether your symptoms deserve attention. Contact your insurer or attorney with questions about coverage.

Find an Ortega location

Jacksonville
5367 Ortega Blvd
Jacksonville, FL 32210
Get directions

Palatka
425 N Palm Ave
Palatka, FL 32177
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Frequently asked questions

I went to the emergency room. Does that count?

The type and timing of care may matter. Bring your discharge papers to your evaluation and ask your insurer how the care relates to your policy.

I didn’t hit my head. Should I mention a headache or dizziness?

Yes. Tell the clinician about all symptoms, including ones that started later. Seek emergency care for severe or worsening symptoms.

What should I bring to an evaluation?

If available, bring your insurance information, crash date and details, a list of symptoms and when they began, and any discharge papers or records from care you’ve already received.

Do I need an attorney?

Ortega provides clinical care, not legal advice. For legal questions, speak with an attorney you choose. For coverage questions, contact your insurer.

Need help with next steps? Call (904) 425-4545 or request an evaluation. Ask our team about a complimentary evaluation.

This page is for general educational purposes only. It is not medical or legal advice and does not guarantee insurance coverage or benefits. Call 911 or go to an emergency department for a serious or life-threatening injury.